Las Animas, CO · Charter 65850
Q2 1999
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 1999, the quarter ended June 30, 1999, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Las Animas, CO · Charter 65850
Q2 1999
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | Q2 1999 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 5.91% | 5.66% | 6.02% | 5.48% | 6.04% | +13 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | 37.83% | 32.00% | 43.11% | 34.86% | 22.78% | -1,504 bps | |
| Loan Growth (YoY) | 44.81% | 11.56% | 20.30% | 18.23% | -6.17% | -5,099 bps | |
| Share Growth (YoY) | 41.35% | 34.80% | 48.68% | 38.75% | 28.36% | -1,299 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.40% | 0.28% | 0.00% | 0.00% | 0.00% | -40 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.63% | 0.68% | 0.57% | 0.59% | 0.66% | +3 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 100.42% | 88.32% | 88.95% | 84.88% | 73.41% | -2,701 bps | |
| Liquid Assets / Assets | 14.54% | 25.05% | 22.08% | 25.21% | 33.70% | +1,916 bps | |